How pet insurance helps protect pets and owners in British Columbia
Pets are an important part of everyday life in British Columbia, offering companionship, comfort, and joy at home and on outdoor adventures. Pet insurance helps BC pet owners manage the cost of unexpected veterinary care, including accidents, illnesses, and emergency treatments. Having coverage in place can make it easier to focus on your pet’s health without worrying about financial stress.
Whether you are walking your dog along the seawall, exploring neighbourhood trails, or relaxing at home with your cat, pet insurance provides peace of mind wherever life in BC takes you. Every pet is different, and the right insurance coverage helps ensure your dog or cat receives the care they need when it matters most.
Protecting what matters most includes caring for your pets. Our advisors are here to help BC pet owners understand their pet insurance options and choose coverage that supports their pet’s long-term health and happiness.
Pet insurance explained
Pet insurance offers financial protection in case your pet requires veterinary attention. With pet insurance, unexpected visits to the veterinarian don’t need to result in financial stress. Instead, you can focus all of your energy and attention on nursing your pet back to health.
Petsecure is Westland’s official pet insurance provider. At Petsecure, they make a simple promise to their clients: they’ll be there when you need them most.
Here’s what’s covered in a Petsecure pet insurance plan:
- Accident and illness coverage including emergency care, diagnostics, X-rays, hospitalization, medication, and surgery.
- Dental coverage including the cost of annual cleaning or problems with teeth and/or gums.
- Member benefits including boarding and kennel fees, lost pet advertising, and holiday cancellation.
- Special benefits including alternative treatments, behavioural therapy, and medical devices.
- Wellness coverage including annual exam vaccinations, wellness profile, and more.
You should have the freedom to make decisions about your pet’s medical care with your heart, not your wallet.
| Secure 1 Coverage | Secure 2 Coverage | Secure 3 Coverage | Secure 4 Coverage |
|---|---|---|---|
| 80% Including exam fees & taxes | 80% Including exam fees & taxes | 80% Including exam fees & taxes | 80% Including exam fees & taxes |
| $1,000 per accident $1,000 per condition, per year $200 dental care, per year Wellness coverage: none | $2,500 per accident $2,500 per condition, per year $300 dental care, per year Wellness coverage: none | $5,000 per accident $5,000 per condition, per year $400 dental care, per year Wellness coverage: none | Unlimited per accident Unlimited per condition, per year $600 dental care, per year $450 Wellness coverage |
*Prices vary depending on the species, breed and where in Canada you live. Policy premiums are calculated based on Canadian veterinary fees. Wellness coverage can be used for annual exams and vaccinations, annual bloodwork, flea control, preventative heartworm medication and more.
| Secure 1 Coverage | Secure 2 Coverage | Secure 3 Coverage | Secure 4 Coverage |
|---|---|---|---|
| 80% Including exam fees & taxes | 80% Including exam fees & taxes | 80% Including exam fees & taxes | 80% Including exam fees & taxes |
| $1,000 per accident $1,000 per condition, per year $200 dental care, per year Wellness coverage: none | $2,500 per accident $2,500 per condition, per year $300 dental care, per year Wellness coverage: none | $5,000 per accident $5,000 per condition, per year $400 dental care, per year Wellness coverage: none | Unlimited per accident Unlimited per condition, per year $600 dental care, per year $350 Wellness coverage |
*Prices vary depending on the species, breed and where in Canada you live. Policy premiums are calculated based on Canadian veterinary fees. Wellness coverage can be used for annual exams and vaccinations, annual bloodwork, flea control, preventative heartworm medication and more.
How Does Pet Insurance Work?
- Find a plan that works for you.
Pick the most suitable plan based on your budget and lifestyle. - Complete the coverage waiting period.
Certain aspects of pet insurance require a waiting period be completed prior to coverage kicking in. Accidents is 48 hours, illness is 14 days, and dental, cruciate ligament issues and IVDD is 6 months. - Submit veterinary care bills.
For any covered veterinary procedure or visit, have an authorized clinic employee complete and sign the claim form. - Reimbursement.
Your reimbursement will be applied either by cheque or direct deposit.
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